Thetruth

Sunday, March 20, 2005

ITS ALL ABOUT RIGHTS AND FREEDOMS

ITS ALL ABOUT RIGHTS AND FREEDOMS

Creditwrench concerns how to deal with collection agencies without giving up your rights. They're not selling magic. The only way out of your credit problems is to pay your creditors. But they may help you keep the collections vermin in line with the law.

Bill StClair and untold numbers of other good folks such as Dan Meador ,Gene Chapman, Pat Patton, Irwin Schiff, who is very famous for his tax protests, Thurston Bell, Larkin Rose, and Also by Larkin Rose, Larry Becraft, Bob Schulz, indeed multitudes of other researchers and journalists, many of whom are good friends and acquaintances of mine are deeply involved in exactly the same fight that I am, the difference being the battlefield upon which each of us has chosen to take our respective stands.

They have chosen to fight for right and freedom and liberty from oppression on the battlefield of taxation and I upon the battlefield of oppression and abusiveness in debt collection.

Most so called "tax protestors" do not rail against paying taxes but rather against the oppressive methods often used to collect the taxes which we all know we must pay in order to enjoy our freedoms, our liberties, our rights and the benefits we all derive in our daily lives from having paid
those taxes.

Likewise, I do not rail against paying one's lawful debts and neither does anyone else I know of. Just like taxes which we all know that we must pay our fair share of, debts must also be paid.

What both the tax protestors and I rail against is the all too often methods of collection used by those whose job it is to collect either one. So we are all in the same boat so to speak.

One of Bill StClair's comments most certainly does hit the proverbial
nail right on the head. He says that we are not selling magic which, of course we are not doing. There is no magic silver bullet that will slay all the debt collectors, nor for that matter even the worst of them.

Neither are there any magic bullets that will slay the tax collector. Well, anyway without committing the crime of actual murder. (LOL)
But even that would not put an end to the present system of collecting taxes.

Bill StClair makes the point "The only way out of your credit problems is to pay your creditors."

That is exactly the same as saying that the only way to keep out of problems with the tax collector is to pay your taxes!

I've learned an awful lot from the tax protestors such as Bill StClair and many more. One of the things that I have learned is that whether or not they recogonize the fact, what they are actually doing is attempting to change the subject or topic of conversation with the tax collector from one which they cannot win to one which they someday hope to be able to win.

And that simple analyzation of what they are doing is one of the cornerstones of what I teach in my methods. We all know that we most usually cannot hope to argue about the debts we owe so if we are not in a postion to pay for whatever reason then we must learn to argue about something we can hope to win. Just like the tax protestors , we must learn to change the topic of conversation from one we can only hope to lose to one we can win.

That topic can realistically only be about why did you break the law and violate my rights? When that occurs, which it always does, the shoe is now on the other foot and it is the debt collector who cannot win and it is he who must be made to pay for his violations of the law and our rights. That we can do fairly easily.

So, in net effect tax protestors and debtors alike are in exactly the same handbasket.

With that in mind I say to all those in the tax movement who have blogs we must stick together, trade links and display them prominitely for the very simple reason that the only way to accomplish our goals is to get our message out to the public by whatever means necessary and I have proven quite conclusively that one of the most viable ways to do that quickly and efficiently is through these weblogs and linking because doing so gets almost instant attention on the internet and in the places we all need to be to get maximum results and public exposure.

With that I will conclude today's rant with the offier that if you carry a link to this site on your website or your weblog I will also reciprocate with a link to your weblog or website and that is one of the keys to getting the best and quickest results out of the Engines we all want to carry our listings.

In otherwords, you scratch my back and I'll scratch yours.

There are other types of crusaders out there who could also benefit from blogging and linking too. One of those is the J.A.I.L. for judges legislative initiative attempts that are now nationwide and growing strongly. I am also a member of that group and they sure could use the benefits of blogging as well.

Friday, March 11, 2005

  • The Fair Debt Collection Practices Act (FDCPA), is a federal law and its writers exempted original creditors from its regulation.

  • When must a 3rd party collector respond to a request for validation

  • Uncle Normie falls for it again.

  • Normie is the victim of the old carrot and stick trick.

  • Creditwrench is easily the most knowledgeable person on the internet or off of it when it comes to beating up on debt collectors

  • What it means is that the collector may not proceed with collection during that 30 day period

  • The enormis deadbeat seems to have some misconception that how many languages the Wrench speaks or does not speak is of some importance

  • The agency can't represent you if you are personally named as a defendant.


  • The newest from CREDITWRENCH


  • Binding arbitration and the constitution


  • I have said time and time again that debt collectors are nothing but slimeballs and the companies they work for are nothing but dirtbags.


  • His arguments are nothing but pure foolish braying put out for the sole purpose of annoyance and defamation


  • those who fail to protect the privacy of others is begging for trouble.

  • I took Derek's advice and had my 86 year old mother take sudafed before boarding her flight.


  • Uncle Normie exposed


  • Enormis is exposed as a fraud and a liar


  • there is no way that a Rico action could properly arise from any debt collection activity.


  • Junk debt buyers do have the right to sue a debtor.


  • attorneys don't know FDCPA


  • CREDITWRENCH and RICO


  • We all are in a constant state of learning


  • Wednesday, February 02, 2005
  • Thursday, February 03, 2005
  • Friday, February 04, 2005
  • Saturday, February 05, 2005
  • Sunday, February 06, 2005
  • Monday, February 07, 2005
  • Tuesday, February 08, 2005
  • Wednesday, February 09, 2005
  • Thursday, February 10, 2005
  • Friday, February 11, 2005
  • Saturday, February 12, 2005
  • Sunday, February 13, 2005
  • Monday, February 14, 2005
  • Tuesday, February 15, 2005
  • Wednesday, February 16, 2005
  • Thursday, February 17, 2005
  • Friday, February 18, 2005
  • Saturday, February 19, 2005
  • Sunday, February 20, 2005
  • Monday, February 21, 2005
  • Tuesday, February 22, 2005
  • Wednesday, February 23, 2005
  • Thursday, February 24, 2005
  • Friday, February 25, 2005
  • Saturday, February 26, 2005
  • Sunday, February 27, 2005
  • Monday, February 28, 2005
  • Tuesday, March 01, 2005
  • Wednesday, March 02, 2005
  • Thursday, March 03, 2005
  • Friday, March 04, 2005
  • Saturday, March 05, 2005
  • Sunday, March 06, 2005
  • Monday, March 07, 2005
  • Thursday, March 10, 2005
  • Thursday, March 10, 2005

    if the credit bureaus make a bona fide mistake


    What should I do if the credit bureaus make a bona fide mistake and won't repair it? Do I have any legal recourse for my credit repair?

    First off, you should repair the inaccurate information with all three credit bureaus (if they¹re all reporting the same erroneous information.) Unfortunately, there isn't a whole lot that you can do to keep the credit bureaus from using their entire 30 days to complete the investigation and credit repair.

    You should, however, prepare for the worse. If the information appearing on your credit report is truly inaccurate, they will probably verify the information anyway and ignore your attempts at credit repair, especially if the listing is more serious as in the case of a bankruptcy.

    In order to prepare a case against the credit bureaus, you should keep copies of your dispute letters and send them certified mail, return receipt requested. By documenting your credit repair, you establish that the credit bureaus willfully ignored your notification of their mistake.

    If the credit bureaus fail to repair the erroneous items, you may have a good cause of action against them. If you do not have other negative credit that is actually accurate, then your case becomes even better because damages are clearer.

    Your damages may include credit that you failed to obtain, home and car purchases that were declined or passed because your credit was known to you to be bad and even your time spent on credit repair.

    If your damages are sufficient, and if your case is a clear winner, you should be able to find an attorney willing to conduct a lawsuit "on contingency." In other words, the lawyer may take your case without requiring you to pay a retainer. The attorney would be paid only when a settlement was reached with the credit bureaus and your credit is repaired.

    In practice, these cases almost always settle out of court and can easily yield settlements exceeding $50,000 or more.

    if the credit bureaus make a bona fide mistake


    What should I do if the credit bureaus make a bona fide mistake and won't repair it? Do I have any legal recourse for my credit repair?

    First off, you should repair the inaccurate information with all three credit bureaus (if they¹re all reporting the same erroneous information.) Unfortunately, there isn't a whole lot that you can do to keep the credit bureaus from using their entire 30 days to complete the investigation and credit repair.

    You should, however, prepare for the worse. If the information appearing on your credit report is truly inaccurate, they will probably verify the information anyway and ignore your attempts at credit repair, especially if the listing is more serious as in the case of a bankruptcy.

    In order to prepare a case against the credit bureaus, you should keep copies of your dispute letters and send them certified mail, return receipt requested. By documenting your credit repair, you establish that the credit bureaus willfully ignored your notification of their mistake.

    If the credit bureaus fail to repair the erroneous items, you may have a good cause of action against them. If you do not have other negative credit that is actually accurate, then your case becomes even better because damages are clearer.

    Your damages may include credit that you failed to obtain, home and car purchases that were declined or passed because your credit was known to you to be bad and even your time spent on credit repair.

    If your damages are sufficient, and if your case is a clear winner, you should be able to find an attorney willing to conduct a lawsuit "on contingency." In other words, the lawyer may take your case without requiring you to pay a retainer. The attorney would be paid only when a settlement was reached with the credit bureaus and your credit is repaired.

    In practice, these cases almost always settle out of court and can easily yield settlements exceeding $50,000 or more.

    if the credit bureaus make a bona fide mistake


    What should I do if the credit bureaus make a bona fide mistake and won't repair it? Do I have any legal recourse for my credit repair?

    First off, you should repair the inaccurate information with all three credit bureaus (if they¹re all reporting the same erroneous information.) Unfortunately, there isn't a whole lot that you can do to keep the credit bureaus from using their entire 30 days to complete the investigation and credit repair.

    You should, however, prepare for the worse. If the information appearing on your credit report is truly inaccurate, they will probably verify the information anyway and ignore your attempts at credit repair, especially if the listing is more serious as in the case of a bankruptcy.

    In order to prepare a case against the credit bureaus, you should keep copies of your dispute letters and send them certified mail, return receipt requested. By documenting your credit repair, you establish that the credit bureaus willfully ignored your notification of their mistake.

    If the credit bureaus fail to repair the erroneous items, you may have a good cause of action against them. If you do not have other negative credit that is actually accurate, then your case becomes even better because damages are clearer.

    Your damages may include credit that you failed to obtain, home and car purchases that were declined or passed because your credit was known to you to be bad and even your time spent on credit repair.

    If your damages are sufficient, and if your case is a clear winner, you should be able to find an attorney willing to conduct a lawsuit "on contingency." In other words, the lawyer may take your case without requiring you to pay a retainer. The attorney would be paid only when a settlement was reached with the credit bureaus and your credit is repaired.

    In practice, these cases almost always settle out of court and can easily yield settlements exceeding $50,000 or more.

    if the credit bureaus make a bona fide mistake


    What should I do if the credit bureaus make a bona fide mistake and won't repair it? Do I have any legal recourse for my credit repair?

    First off, you should repair the inaccurate information with all three credit bureaus (if they¹re all reporting the same erroneous information.) Unfortunately, there isn't a whole lot that you can do to keep the credit bureaus from using their entire 30 days to complete the investigation and credit repair.

    You should, however, prepare for the worse. If the information appearing on your credit report is truly inaccurate, they will probably verify the information anyway and ignore your attempts at credit repair, especially if the listing is more serious as in the case of a bankruptcy.

    In order to prepare a case against the credit bureaus, you should keep copies of your dispute letters and send them certified mail, return receipt requested. By documenting your credit repair, you establish that the credit bureaus willfully ignored your notification of their mistake.

    If the credit bureaus fail to repair the erroneous items, you may have a good cause of action against them. If you do not have other negative credit that is actually accurate, then your case becomes even better because damages are clearer.

    Your damages may include credit that you failed to obtain, home and car purchases that were declined or passed because your credit was known to you to be bad and even your time spent on credit repair.

    If your damages are sufficient, and if your case is a clear winner, you should be able to find an attorney willing to conduct a lawsuit "on contingency." In other words, the lawyer may take your case without requiring you to pay a retainer. The attorney would be paid only when a settlement was reached with the credit bureaus and your credit is repaired.

    In practice, these cases almost always settle out of court and can easily yield settlements exceeding $50,000 or more.

    if the credit bureaus make a bona fide mistake


    What should I do if the credit bureaus make a bona fide mistake and won't repair it? Do I have any legal recourse for my credit repair?

    First off, you should repair the inaccurate information with all three credit bureaus (if they¹re all reporting the same erroneous information.) Unfortunately, there isn't a whole lot that you can do to keep the credit bureaus from using their entire 30 days to complete the investigation and credit repair.

    You should, however, prepare for the worse. If the information appearing on your credit report is truly inaccurate, they will probably verify the information anyway and ignore your attempts at credit repair, especially if the listing is more serious as in the case of a bankruptcy.

    In order to prepare a case against the credit bureaus, you should keep copies of your dispute letters and send them certified mail, return receipt requested. By documenting your credit repair, you establish that the credit bureaus willfully ignored your notification of their mistake.

    If the credit bureaus fail to repair the erroneous items, you may have a good cause of action against them. If you do not have other negative credit that is actually accurate, then your case becomes even better because damages are clearer.

    Your damages may include credit that you failed to obtain, home and car purchases that were declined or passed because your credit was known to you to be bad and even your time spent on credit repair.

    If your damages are sufficient, and if your case is a clear winner, you should be able to find an attorney willing to conduct a lawsuit "on contingency." In other words, the lawyer may take your case without requiring you to pay a retainer. The attorney would be paid only when a settlement was reached with the credit bureaus and your credit is repaired.

    In practice, these cases almost always settle out of court and can easily yield settlements exceeding $50,000 or more.

    Monday, March 07, 2005

    A new search engine coming to the internet

    Have you ever "just missed" one of those *big* opportunities that you *knew* could've been BIG for you... if you'd just *acted*?

    I'll tell you what... I sure have. And if you're like me at all, when you sit back and think about that lost opportunity, you know it doesn't feel very good, does it?

    Well here's what I've got. Something just came across my desk that I truly believe will be the NEXT BIG THING, and I simply could not wait one moment to get this in your hands.

    So HOW big? I'm talking "Amazon" big. I'm talking "AOL" big... I'm talking "buying 50,000 shares at Microsoft's IPO" big. :-)

    One of the internet\'s best minds

    \r\n

    You know who \r\n Mike Glaspie is right? He\'s the guy who founded and runs sites like BannersGoMLM.com, \r\n BannerCo-op.com, FreelinksNetwork.com, FreeMarketingInfo.biz, NoBSZone.com, \r\n MySiteInc.com, NetMarketing2004.com, and several other sites, all of which \r\n are easily within the top 1% of all sites visited online.

    \r\n

    Well, I\'m in \r\n what I\'d guess you\'d call his "inner circle"... he lets me and a just \r\n handful of other folks know about certain opportunities he\'s involved \r\n in or has heard about, before anyone else, so we can get the "jump" on \r\n the marketplace.

    \r\n

    And as I read \r\n about his latest project, I got so excited, I had to stop everything cold, \r\n and get this out to you. There simply is not a moment to spare.

    \r\n

    It seems that \r\n for the past several months, Mike G has been working quietly on a new \r\n project. This project is going to have ",1] ); //-->One of the internet's best minds

    You know who Mike Glaspie is right? He's the guy who founded and runs sites like BannersGoMLM.com, BannerCo-op.com, FreelinksNetwork.com, FreeMarketingInfo.biz, NoBSZone.com, MySiteInc.com, NetMarketing2004.com, and several other sites, all of which are easily within the top 1% of all sites visited online.

    Well, I'm in what I'd guess you'd call his "inner circle"... he lets me and a just handful of other folks know about certain opportunities he's involved in or has heard about, before anyone else, so we can get the "jump" on the marketplace.

    And as I read about his latest project, I got so excited, I had to stop everything cold, and get this out to you. There simply is not a moment to spare.

    It seems that for the past several months, Mike G has been working quietly on a new project. This project is going to have every marketer on the planet clamoring for a piece. (And btw, YOU are literally one of the very first to hear about this, so if you want a piece, it is YOURS for the taking!)

    So here it is, here is what Mike is working on that is so monstrously big... Mike is putting the final touches on a series of sites that are going to revolutionize the search engine business. The cornerstone site of this project is a "tier 1" search engine called Zabang.com, and it's ultimate goal is nothing less than to topple Google itself from the search-engine throne... and you know what? I fully believe it's going to do it. I just don't see any way it can't!

    The technology is already in place. Everything is thought out and all the pieces put together. And soon, Mike G is going to launch this to the world. But before he does, YOU have the chance to get in on this NOW! I don't know what could be a more "ground floor" opportunity than this.

    A brand new approach to search engines

    Now search engines have been done, but they all have one big problem for people like you and me... they don't provide any incentive to the marketer. For example, if you tell someone to go look something up on Google, who benefits from that? Why, Google does! Google gets the traffic, the viewer sees their ads that their advertisers pay them for, and so on. What do you get? Squat!

    ZabangMail.com is their own ISP they give guaranteed whitelisting to all publishers.

    Now remember (and this is important), ZabangMail.com is a companion to Zabang.com. Each one will promote the other. ZabangMail users will have a tag message at the bottom of their email just like Hotmail, just like Yahoo, etc. But this one will give a brief blurb about searching Zabang.com, but with a twist... are you ready? The URL in the tag message at the bottom of all user's email will also be (if elected) the affiliate's link for Zabang.com! Think about it... get just a few people to sign up for ZabangMail, and every single email they send out will track back to YOUR Zabang account earning you an override all over again! We're talking major cross promotion, and hyper viral marketing. It truly is going to be huge.

    Just to give you an idea

    Just to give you an idea how big Zabang is destined to become... already their Alexa ranking is in the top 1/10 of 1% of all sites visited online... and this is only a private invitational pre-registration period! Wow!

    \r\n

    So drop what \r\n you are doing right now and get pre-registered for the two-level affiliate \r\n program. At the very least, you get guaranteed "indexing" (i.e. \r\n listed in the search results at Zabang.com) as an affiliate (which is \r\n a HUGE benefit). Then, you\'ll be emailed an invitational letter with your \r\n link dropped in so you can send it along to your closest contacts. They\'ll \r\n keep accurate track of your referrals and when ZabangT launches, you will \r\n have complete stats of all your referrals and commissions earned.

    \r\n

    http://www.zabang.com/affiliate?a=123881

    \r\n

    Sincerely,

    \r\n

    [Drop \r\n in your name/title here]

    \r\n

    \r\n

    Note: Google \r\n and Yahoo are Registered Trademarks and are not affiliated with Zabang.com, \r\n Inc. and it\'s related companies.

    \r\n

    \r\n

    [You \r\n must include your physical mailing address and unsubscribe mechanism here]
    \r\n
    \r\n
    \r\n -----CUT ABOVE THIS LINE---------------

    \r\n\r\n \r\n\r\n

    ",1] ); //-->

    So drop what you are doing right now and get pre-registered for the two-level affiliate program. At the very least, you get guaranteed "indexing" (i.e. listed in the search results at Zabang.com) as an affiliate (which is a HUGE benefit). Then, you'll be emailed an invitational letter with your link dropped in so you can send it along to your closest contacts. They'll keep accurate track of your referrals and when ZabangT launches, you will have complete stats of all your referrals and commissions earned.

    http://www.zabang.com/affiliate?a=123881


    Note: Google and Yahoo are Registered Trademarks and are not affiliated with Zabang.com, Inc. and it's related companies.

    [You must include your physical mailing address and unsubscribe mechanism here]

    Saturday, March 05, 2005

    Preparing for job loss

    How to Prepare for Sudden Job Loss: Worst-Case Scenario

    Preparing for the worst softens the blow financially and emotionally.
    So if the ax does fall, don't sweat it: Simply spring into action.

    If you receive a severance package -- and you should negotiate for one
    even if it is not offered -- spend it wisely. Use it to pay for living
    expenses, not luxury items. Immediately visit or call your local
    unemployment office to apply for benefits. Don't forget to sign up for
    COBRA as well.

    Should you find yourself falling short financially, despite your
    planning, contact your creditors immediately. Tell them you've been
    laid off and are actively seeking new employment. You can often save
    your home or car simply by working with your lender to adjust your
    payments. Credit card companies may also offer hardship plans. Student
    loans may be placed in forbearance.

    Finally, stay positive and start your search for a new -- and better --
    job